What are the current interest rates at Central Pacific Bank?

Current rates for Central Pacific Bank include: 12-Month CD: 0.04%, 18-Month CD: 0.04%, 24-Month CD: 0.04%, 36-Month CD: 0.06%, 48-Month CD: 0.08%, 60-Month CD: 0.08%, Savings: 0.05%

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Central Pacific Bank Rates & Review October 2026

Q: How many branches does Central Pacific Bank operate?

Central Pacific Bank currently maintains approximately 27 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Central Pacific Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Pacific Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Central Pacific Bank's top rates as of October 7, 2026 are 3.15% APY on its 6-Months Exceptional Preferred Certificate of Deposit (CD) Special - 6-Month, 0.05% APY on savings, 1.00% APY on checking, and 6.375% on its 15-Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Central Pacific Bank CD rates include Exceptional Preferred IRA - 6-Month at 3.15%, 12-23-Months Exceptional Preferred IRA 12-23-Month at 3.15%, and 6-11-Months Exceptional Preferred IRA 6-11-Month at 3.15%. Other Central Pacific Bank mortgage rates include Jumbo 30-Year Fixed at 7.00%, and 30-Year Fixed at 7.25%. MonitorBankRates evaluates the financial stability of Central Pacific Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/07/2026.

Central Pacific Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Pacific Bank? Share your experience about Central Pacific Bank by leaving a review below, or read customer reviews before you decide to use Central Pacific Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Pacific Bank

220 S King St
Honolulu, HI 96813

https://www.cpb.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Central Pacific Bank CD Rates

Product	Rate	APY	Term
Exceptional Preferred Certificate of Deposit (CD) Special - 6 month	3.15%	3.15%	6 months
Min Deposit $20,000 Min Balance $20,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA - 6 month	3.15%	3.15%	6 month
Min Deposit $20,000 Min Balance $20,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00% Oct 2, 20263.15%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 12-23 month	-	3.15%	12-23 months
Min Deposit $20,000 Details Limited time offer. $10,000 must be new money from another financial institution to obtain APY. Your IRA account may not exceed $1,000,000. Must have CPB Exceptional Checking Account. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the IRA account. A penalty will be imposed for early withdrawals. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 6-11 month	-	3.15%	6-11 months
Min Deposit $20,000 Details Limited time offer. $10,000 must be new money from another financial institution to obtain APY. Your IRA account may not exceed $1,000,000. Must have CPB Exceptional Checking Account. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the IRA account. A penalty will be imposed for early withdrawals. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 - 47 month Jumbo CD	0.13%	0.13%	36-47 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Certificate	0.13%	0.13%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 - 59 month Jumbo CD	0.13%	0.13%	48-59 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred CD 12-23 month	0.13%	0.13%	12-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 12-23 month	0.13%	0.13%	12-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 - 23 month Jumbo CD	0.08%	0.08%	12-23 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Certificate	0.08%	0.08%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
18 Month Certificate	0.08%	0.08%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 - 35 month Jumbo CD	0.08%	0.08%	24-35 months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
3 year IRA	0.08%	0.08%
Min Deposit $100 Min Balance $100 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 - 47 month CD	0.08%	0.08%	36-47 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
4 year IRA	0.08%	0.08%
Min Deposit $100 Min Balance $100 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 - 59 month CD	0.08%	0.08%	48-59 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred CD 6-11 month	0.08%	0.08%	6-11 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 6-11 month	0.08%	0.08%	6-11 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
2 year IRA	0.06%	0.06%
Min Deposit $100 Min Balance $100 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 - 35 month CD	0.06%	0.06%	24-35 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
1 year IRA	0.04%	0.04%
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 - 23 month CD	0.04%	0.04%	12-23 months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
18 month Variable Rate IRA	0.04%	0.04%
Min Deposit $25 Min Balance $25 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
181 - 364 day Jumbo CD	0.03%	0.03%	181 - 364 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
32 - 90 day Jumbo CD	0.03%	0.03%	32 - 90 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
7 - 31 day Jumbo CD	0.03%	0.03%	7 - 31 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
91 - 180 day Jumbo CD	0.03%	0.03%	91 - 180 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 month 181 - 364 day CD (6 month to less than 1 year)	0.02%	0.02%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
32 - 90 day CD	0.01%	0.01%	32 - 90 day
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
7 - 31 day CD	0.01%	0.01%	7 - 31 day
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
3 month 91 - 180 day CD (3 month to less than 6 month)	0.01%	0.01%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Savings Rates

Product	Rate	APY
Exceptional Super Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Balance: Tier 4 $100,000 & Over; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details Balance: Tier 1 $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Balance: Tier 2 $10,000 - $24,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details Balance: Tier 3 $25,000 - $99,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details $10,000 - $24,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details $25,000 - $99,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $100,000 Details $100,000; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $149,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 & Over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings - Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings - Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.02%	0.02%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $19,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Savings	0.02%	0.02%
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Savings	0.02%	0.02%
Min Deposit $100 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Starter Savings	0.02%	0.02%
Min Deposit $10 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Checking Rates

Product	Rate	APY
Shaka Checking Account	1.00%	1.00%
Min Balance $0 Details Qualifications Required: 15 or more debit card transactions (point-of-sale purchases) post to your account during the month totaling $75 or more; A qualified direct deposit is credited to your account during the month.; Tier 1 balances. The APYs shown are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000: An APY of 1.00% would apply to the first $20,000 of the total account balance; and An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01). This is the daily balance (i.e., the amount of principal in the account each day.) Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Choice Checking	0.10%	0.10%
Min Deposit $500 Min Balance $0 Details $0 - $25,000; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Value Plus Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details $0 - $25,000; Balance: $0 - $25,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 & Over; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Shaka Checking Account	0.03%	0.03%
Min Deposit $25 Min Balance $0 Details Standard Rate Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.02%	0.02%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $249,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Choice Checking - Standard Rate	0.02%	0.02%
Min Deposit $500 Min Balance $0 Details Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Value Plus Checking - Standard Rate	0.02%	0.02%
Min Deposit $50 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.01%	0.01%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.01%	0.01%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.375%	2.000	6.928%	15 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.93% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
15-Year Fixed	6.375%	2.000	6.928%	15-Year
Details Down Payment: 20%; Monthly Payment (P & I): $864.25 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.93% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Jumbo 30-Year Fixed	7.00%	1.50	7.30%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.66% → 7.30% ▲ 0.64 pts · high 7.30% / low 6.66% Oct 7, 20267.30%▲ from 6.79% Sep 18, 20266.79%▲ from 6.66% Sep 15, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Jumbo 30-Year Fixed	7.00%	1.50	7.30%	30-Year
Details Down Payment: 20%; Monthly Payment (P & I): $665.30 Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.66% → 7.30% ▲ 0.64 pts · high 7.30% / low 6.66% Oct 7, 20267.30%▲ from 6.79% Sep 18, 20266.79%▲ from 6.66% Sep 15, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30-Year Fixed	7.25%	1.625	7.57%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30-Year Fixed	7.25%	1.625	7.57%	30-Year
Details Down Payment: 20%; Monthly Payment (P & I): $682.18 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Other Rates

Product	Rate	Points	APY/APR
181 - 364 day IRA	0.02%	-	0.02%
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred Individual Retirement Accounts Specials	-	-	3.15%
Min Deposit $20,000 Details Limited time offer. $10,000 must be new money from another financial institution to obtain APY. Customer may not have more than $1,000,000 in the IRA. An Exceptional Checking account is required to open the IRA. IRA qualifies towards Exceptional Checking balance. Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00% Oct 2, 20263.15%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Central Pacific Bank’s Texas Ratio rose from 1.75% in Q3 2023 to 2.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.5B	2.64%	5.0	A+
March 31, 2026	$7.5B	2.32%	5.0	A+
December 31, 2025	$7.4B	2.52%	5.0	A+
September 30, 2025	$7.4B	2.36%	5.0	A+
June 30, 2025	$7.4B	2.60%	5.0	A+
March 31, 2025	$7.4B	1.85%	5.0	A+
December 31, 2024	$7.5B	1.91%	5.0	A+
September 30, 2024	$7.4B	1.97%	5.0	A+
June 30, 2024	$7.4B	2.13%	5.0	A+
March 31, 2024	$7.4B	2.17%	5.0	A+
December 31, 2023	$7.6B	1.42%	5.0	A+
September 30, 2023	$7.6B	1.75%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Pacific Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central Pacific Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Pacific Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Pacific Bank

Bank Holding Company CENTRAL PACIFIC FINANCIAL CORP

Address 220 S King St, Honolulu, HI 96813 · Honolulu

Website https://www.cpb.bank

FDIC Certificate # 17308

Established 19540215

FDIC Insurance Date 19540215

Domestic Offices 27

Total Branches 27

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.64%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2068%

Return on Equity (ROE) 14.1600%

Non-Performing Loans (NPL) 0.21%

Total Assets $7,495,070,000

Total Deposits $6,701,667,000

Equity Capital $638,005,000

Net Income $45,017,000

Headquarters Honolulu

Total Branches and Offices 27

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Pacific Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/central-pacific-bank-rates-review-17308">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Central Pacific Bank

How many branches does Central Pacific Bank operate?

Central Pacific Bank currently maintains approximately 27 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central Pacific Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Pacific Bank provides members with tools to manage their accounts and build a solid financial history.

Does Central Pacific Bank offer online and mobile banking?

Most modern institutions like Central Pacific Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cpb.bank.